Talking Real Money - Investing Talk

Talking Real Money - Investing Talk

34-year financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK (8255).


December 6, 2022 39 min

Tom and Don share some of older Americans biggest financial regrets. Then, we hear from a lot of you:

  • What kind of advisors do I need?
  • Old stock guy is back.
  • Should he invest in company stock options?
  • She regrets not spending enough.
  • What should be done with low-yielding fund?
  • How to invest windfall from toy sale?
  • How far back does Social Security look?
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    Most of the "next new things" are neither new nor hot. Beware of trendy investments, because very few things stand the test of time. Plus, we "Meet Kevin" and his expensive exchange-traded fund (ETF).

    Plus, callers want to know:

    Does it make sense to retire early and, if so, how should a lump-sum payout be invested?

    What can be done with an old share of Warner Brothers Studios?

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    December 2, 2022 23 min

    This episodes questions:

  • With a new child on the way, what should be done financially?
  • What are collective investment trusts?
  • Daughter being sold a structured annuity, what it it?
  • Does it make sense to pay of home mortgage?
  • Does it make sense to transfer a 403b to an IRA and what are the drawbacks?
  • Can a health savings account (HSA) be moved to another HSA?
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    December 1, 2022 24 min

    Once again, we enter the gift giving season frustrated by trying to pick the perfect present. While things are quickly forgotten a gift of a financial future can literally last a lifetime.

    Plus, listeners want to know:

  • The best way to allocate money between our "three-fund" suggestions?
  • Does it makes sense to wait on buyiong bonds right now when building a 60/40 portfolio?
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    November 30, 2022 17 min

    Tom and Don get them, too. Those e-mails that offer you a free gift or inform you a gift that couldn't be delivered. Don't get scammed for Christmas.

    Plus listeners chime in:

    More agruments against actively managed mutual funds and ETFs.

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    November 28, 2022 31 min

    If bonuses could cause a large group of Wells Fargo employees to cheat, why impact might large comissions have on financial "advice?"

    Plus a couple of questions:

    Can I change my Roth back to a regular IRA and take a tax loss?

    Should I consider the new indexed annuity in my compnay's 401k?

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    November 23, 2022 28 min

    We recently heard about a non-profit financial education organization, F3E (or Foundation for Financial Education) which claims to provide an unbiased fiscal education. After further review, we found some glaring problems with those who provide this "education." They all appear to be selling insurance products.

    Plus, a listener wonders if Securities America is a legitimate custodian.

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    November 22, 2022 45 min

    Why would a CBS News reporter tout gold IRAs? Don explains why buying gold in your retirement account is a terrible idea. Plus, he explains what is wrong with most financial advice and why it continues to be so bad. Then, our last caller proves Don's point while trying to to call him out.

    Your questions:

  • What is wrong with ESG investing?
  • Does it make sense to slowly move an IRA to a Roth?
  • A former crypto gambler looks for a way to ...
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    November 21, 2022 41 min

    As Tom gets ready to travel to Qatar, we consider the opinion of some that a fallen market makes for a dangerous retirement. Plus, we wonder why so many are scared of "the market." What is "the market," really?

    Then on to listener questions:

  • Is there a proper order to move asset classes to a Roth?
  • How can a young worker invest for the lowest tax liability?
  • Should a house-flipper own investment property in retirement?
  • Wha...
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    November 18, 2022 27 min

    On this pre-holiday Q&A session listeners want to know:

  • If a pension counts as a fixed-income portfolio?
  • From where should retirement income be drawn first?
  • What's the best place to invest for no risk whatsoever?
  • That we understood he wasn't throwing Paul Merriman under the bus?
  • Is it okay to use brokered CDs?
  • What do we think of Betterment?
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    November 17, 2022 23 min

    Another large cryptocurrency exchange, FTX, collapses and even some crypto advocates are having second thoughts about the viability of this possible mega-scam.

    Plus, a listener asks of Social Security income can somehow be incorporated into a portfolio as a fixed-income investment?

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    November 16, 2022 21 min

    Every so often, someone tries to make news by declaring a typical balanced portfolio (60% stocks, 40% fixed income) deceased. While a 60/40 portfolio is not the universal answer, creating a properly diversified portfolio for your personal situation should be immortal.

    Plus, a listener asks why managed international funds outperform index funds? (spoiler: they don't)

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    November 15, 2022 41 min

    How much is your house really worth? How much is anything worth? One real estate firm decided to stop buying houses because they feared insulting sellers. Tom and Don explain the realities of asset prices.

    Then, we take listeners questions:

  • Where should an estate executor invest money?
  • How can a lump sum payout stay tax-deferred?
  • From Ireland: Why have we stopped talking about VT?
  • Why do some active funds beat the market even though the...
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    November 14, 2022 41 min

    After a dreadful three quarters, the stock market soared recently. We discuss which asset classes fared best this year. Then we take lots of questions:

  • What's the best strategy for retiring early and delaying Social Security?
  • After getting out of the market early this year, when should he get back in?
  • Where should a teenager's earnings be invested?
  • What should be done with a chunk of cash?
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    November 11, 2022 29 min

    Another Friday means more of your questions and Don's answers:

  • Should an old Empower managed 401k be moved to IRA?
  • How is a pension added to retirement calculation?
  • Should a Thrivent fund be moved to a low-cost index fund?
  • Where is our live video show?
  • What can be done with an extra $4.37 left in old IRA?
  • If Jeff Bezos invested everything in the total stock market what would happen?
  • Is the 4% Rule just a ruse to help financial advisor...
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    November 10, 2022 18 min

    A recent study found that there may be a best time of day to invest in ETFs. We wonder if it's worth your while.

    Plus, a listener asks if it makes sense to get a reverse mortgage for "fun" money?

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    November 9, 2022 19 min

    Everyone should have an emergency fund. How big should it be and how can you get started building one. We share our thoughts and examine a ne Suze Orman backed service to help get employees set up with automated savings.

    Then we hear from a listener wondering what we think of J.L. Collins investing advice.

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    November 8, 2022 40 min

    Many of the hot funds of the past got that way by taking big risks on just a few stocks or sectors. However, the dangers of a concetrated portfolio outweigh the occasional impressive gains. Plus, Tom and Don discuss: Should you have invested in the lottery? Are ARMs better than fixed-rate morgages? Then we take listeners questions:

    What is the difference between bank and brokered CDs?

    Can you pick which IRAs from which to take withdr...

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    November 7, 2022 41 min

    During the crazy Medicare enrollment period, insurance compnaies will say or do almost anything to get you to sign up for their Medicare Part C (Medicare Advantage) plans. This allows them to get their hands on that government money that might otherwise just go to patients.

    We take some questions, too:

  • What's the best way to add international equities to AVGE?
  • Should precious metals and crypto be in your portfolio?
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    November 3, 2022 18 min

    How is the price of anything determined? We explore that issue after discovering a huge discrepency between the price of publicly traded real estate investment trusts (REITs) and non-traded REITs. How can one plunge in price while the other seems to be rising?

    Plus, a listener wants to know about investing overseas and moving money to safer investments?

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